Barbara A. Lubin, MD LLC Practice is dedicated to providing you with the highest quality, cost effective medical care. We are committed to building a successful physician-patient relationship with you and your family. Your clear understanding of our Financial Policy is important to our professional relationship. Please understand that payment for services is a part of that relationship. If you have any questions about our fees, policies, or your responsibilities do not hesitate to contact us. We accept VISA, MC, DISCOVER, HSA and Debit card as well as  Cash and Check Payments.

CO-PAYS
Is the patient responsibility to present an insurance card at each visit. All co-payments, deductibles and past due balances are due at time of check-in unless previous arrangements have been made with a billing department. 

INSURANCE CLAIMS
Insurance plan is a contract between you and your insurance company. We will bill your insurance company as a courtesy to you. In order to properly bill your insurance company we require that you disclose all insurance information including primary and secondary insurance, as well as, any change of insurance information. Failure to provide complete insurance information may result in patient responsibility for the entire bill. Although we may estimate what your insurance company may pay, it is the insurance company that makes the final determination of your eligibility and benefits. If your insurance company is not contracted with us, you agree to pay all charges not covered by insurance, including but not limited to those charges above the usual and customary allowance.

SELF-PAY
Self-pay accounts are patients without insurance coverage, patients covered by insurance plans in which the office does not participate. Self-pay patients will be required to pay at the time of service. Payment arrangements are available if needed and must be done prior to the visit.  Please ask to speak with a billing manager to discuss a mutually agreeable payment plan. It is never our intention to cause hardship to our patients, only to provide them with the best care possible.


 

INSURANCE & PAYMENTS

WE ACCEPT NEARLY ALL MAJOR INSURANCE PLANS INCLUDING 

Aetna (PPO Plans)

AARP

Blue Cross Blue Shield

Cigna (PPO Plans)

HUMANA PPO/ChoiceCare Network

HealthSpring Network

Medicare

Meritain Health

PMCS

Railroad Medicare Palmetto GBA

Tricare  - Standard, Select, For Life

UMR

United Health Care

 

 

ADDITIONAL FEES

 

RETURNED CHECKS: The charge for a returned check is $35 payable by cash or debit/credit card only

NO SHOW FEE: Any cancellations, rescheduled or missed appointments with less than a 24 hour notice, will be assessed a $100.00 fee

PLACEMENT WITH COLLECTION AGENCY: In the event an account is turned over for collections, the person financially responsible for the account will be responsible for all collection fees.  

Save time when visiting the office and download all your patient forms here

For billing information 

contact our clinic directly at 850-785-8246 ext 3

Barbara A. Lubin, MD LLC

756 Harrison Ave

Panama City, FL 32401

    For Life-Threatening Emergencies Call 911

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